Getting out of debt isn’t just a financial goal—it’s a mental and emotional victory. The good news is that you don’t have to tackle it alone. A wide array of online tools exist today that can simplify your money management, motivate you to stay on track, and even help you explore new income opportunities. Whether you’re managing student loans, credit cards, or medical bills, the following resources offer practical, low-cost solutions to take control of your finances.
Here are some of the best online tools to help you reduce—and eventually eliminate—your debt for good.
1. Undebt.it: Create a Personalized Debt Payoff Plan
If you’re overwhelmed by multiple debts, Undebt.it helps you craft a custom payoff strategy using either the snowball or avalanche method. You enter your balances, interest rates, and minimum payments, and the tool builds a monthly roadmap to help you reach zero debt. One unique feature is the ability to switch strategies and see how your payoff timeline changes. There’s also a debt snowflake tracker to include extra payments, no matter how small. The free version is incredibly functional, and there’s even a printable progress chart to help you stay motivated. Visualizing your financial progress can make a huge difference when it comes to staying consistent.
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2. Tiller: Automate and Organize Your Budget in Spreadsheets
Tiller links to your bank accounts and automatically pulls transactions into customizable Google Sheets templates. While traditional budgeting apps can be too rigid, Tiller gives spreadsheet lovers the flexibility to create categories, charts, and projections that align with their personal goals. This tool is especially helpful for tracking spending habits and finding areas where you can trim expenses and divert extra money to debt payments. Their community support and library of templates make it easy to get started. You can explore their features in depth on their how it works page.
3. Cushion: Automate Refunds and Cut Fees
Late fees, overdrafts, and hidden charges can sabotage your efforts to get out of debt. Cushion is an AI-powered tool that scans your linked accounts and negotiates bank and credit card fees on your behalf. It can even keep an eye on subscription services and flag potential savings. You can also track your bank interactions in a clean dashboard, which provides insight into which institutions are costing you more. This hands-off approach to saving money is perfect for busy people juggling multiple obligations.
4. Savology: Build a Free Financial Plan
Many people avoid financial planning because it seems complicated or expensive. Savology solves this by offering a free digital financial plan in just five minutes. It takes your income, debt, expenses, and goals into account and delivers actionable recommendations to help you prioritize debt repayment, increase savings, and improve credit. You can even add milestones like homeownership or early retirement. Savology also provides educational resources to build your financial literacy—something many people overlook while focused on debt alone. A little clarity can go a long way when trying to stay focused and motivated.
5. SideHusl: Discover Income-Boosting Side Gigs
Earning more money is often the fastest route out of debt—but only if you choose the right gigs. SideHusl is a curated directory of legitimate side hustles, rated by earning potential, flexibility, and user feedback. Unlike generic job boards, it breaks down pros, cons, and realistic income expectations for each opportunity. Whether you’re skilled at writing, driving, or pet-sitting, you’ll find new ways to boost your income and funnel extra funds toward your debt. Extra income—even in small bursts—can help you make double or triple your minimum payments, dramatically shortening your debt timeline.
6. Adobe Express: Design a Budget-Friendly Logo for Your Side Business
If you’re building a side hustle or freelance service to pay down debt, professional branding can go a long way in attracting clients. Adobe Express’s logo editor is an easy-to-use tool that helps you create a clean, polished logo—no design skills required. With a variety of templates, fonts, and icons, you can tailor a logo to fit your style and industry. A recognizable logo not only enhances your credibility but also helps build trust when marketing yourself online or in print. It’s a smart, affordable investment in your business and your journey to financial independence.
7. Zogo: Learn Financial Literacy While Earning Rewards
Zogo turns financial education into a game—and rewards you for learning. This mobile app offers bite-sized lessons on topics like credit, saving, and debt management. As you complete lessons and quizzes, you earn points that can be redeemed for gift cards. It’s ideal for anyone new to personal finance or looking to brush up on the basics. Plus, reinforcing healthy financial habits through gamification can help you make more informed choices. When you’re trying to get out of debt, understanding the “why” behind every decision is just as important as knowing the “how.”
Getting out of debt takes patience, discipline, and the right tools. Whether you’re building a custom debt payoff plan, launching a side hustle with the help of a logo editor, or tracking your spending through automated spreadsheets, these online tools can make the process smoother and more sustainable. Financial stress doesn’t disappear overnight—but with consistent action and a solid digital toolkit, you’ll be well on your way to freedom and peace of mind.
